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Islamic Ecomonics Journal

JEI
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Published by Universitas Darussalam Gontor

ISSN : 24601896 EISSN : 25415573 DOI : -

Core Subject : Economy, Humanities, Science, Social,

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Islamic Economics Journal (IEJ) is a national peer-reviewed and open access journal that publishes research papers encompasses all aspects of contemporary Islamic economics issues. This journal emphasizes specifications in the discourse of Islamic Public Economics, Islamic Monetery Economics, Islamic Business Economics, Islamic International Economics and Islamic Development Economics. This journal openly accepts the contributions of experts from related disciplines. All published articles do not necessarily represent the views of journals, or other institutions that have links to journal publications. This journal is intended to communicate the original researches and current issues on the subject. This journal warmly welcomes any contributions from scholars of the related issues.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 305 Documents

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ANALISIS PEMAHAMAN NASABAH BNI SYARIAH TENTANG KE‘SYARIAH’AN BNI SYARIAH (Studi Kasus BNI Syariah Godean, Sleman, Yogyakarta) Shofa Rabbani
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

Islamic banking must be based on the principles of Islamic economics framework in accordance with Islamic law. Islam forbids usury and interest, but Islam has permitted profit and loss sharing. This research aims to analyze the influence of the level of people’s understanding toward Islamic banking, usury, interest and profit and loss sharing, and to analyze the relationship of Islamic Bank Customer Savers which are also Conventional Bank Customer Savers. This research involved 51 respondents, all of whom are based on customers of BNI Sharia. The result of the study showed that the level of people’s understanding toward Islamic banking is still relatively low. Their perception of how sharia Islamic banks, usury, interest, and the profit and loss sharing are varies, most of them still do not understand and know these terms. On the other side, the relationship between Islamic Bank Customer Savers which are also Conventional Bank Customer Savers and employment status and education level is closely associated. This has an impact on the public interest to save or take financing in Islamic banks is also lower. Islamic banks which supposed to be a prominent choice for the Muslim community is still inferior to conventional bank dominance. Thus, they need to evaluade themselves forward in order to increase the number of customers. Socialization is not only done by banking practitioners in banking settings, but it may be given by dai / khatib / preachers in mosques, formal and informal meetings.

ANALISIS PRODUK NON SAVING DI ASURANSI SYARI’AH Abdul Latif
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

This paper studies about the concept of Islamic insurance, its development, its funding mechanism and how hibah being a base contract of tabarru’. As long as the insurance institution to be unknown in Islamic history, there are many Islamic literatures concluding that insurance institution is prohibited. However, even there is no any institution like insurance company, but there are some activities performed by Rasulullah SAW related to insurance’s principles, such as togetherness responsibility called aqilah. This system has developed in Arabian society before the birth of Rasulullah SAW. Unless the facts that many problems appeared in the practice of nowadays insurance company which trespass and disturb the rule of Islamic law, which is necessary to be solved, such non saving product that many disruption happened to it and than need to be corrected. For the sake of this matter, the data for the research was needed.

MEKANISME PENANGGULANGAN PEMBIAYAAN BERMASALAH PADA AKAD MURABAHAH Mulyono Jamal; Ayu Ruqoyah
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

The rise of Islamic economic has established the development of Islamic banking. This indicates that Islamic banking could be competitive with conventional banking. One difference between both banking systems is in lending operation. In conventional bank known as credit, while in Islamic bank known as financing. For certain, financing procedures in Islamic banking refer to Qur’an and Sunnah. Indeed, there are also defaults in its process, because the problems occured after the process. This research aims for knowing the factors which cause the default financing and its mechanism as performed by Bank Muamalat Indonesia (BMI) branch Sragen to solve it. To reach thus aims, the researcher uses field research with deductive explorative methods. The result from this research indicates that there are two factors which cause the default financing, internal factor and external factor. Internal factor is the factor from the customers, while the external factor is the factor from other than customers, ot because of universe. But the most imminent factor at BMI is internal factor, such as the late payment because of neglect. The mechanism runs by BMI branch Sragen is monthly data collection, monitoring and controlling, so that the financing at BMI branch Sragen chategorized as stable.

MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (Studi Kasus di Koperasi Jasa Keuangan Syariah (KJKS) Mitra Amanah Sejahtera Semarang Tahun 2011-2012) Achmad Fajaruddin; Aulia Ulfa Nurfitriyani
Islamic Economics Journal Vol. 2 No. 2 (2014)
Publisher : University of Darussalam Gontor

Empowerment of SMEs is a strategic step to improve and strength the basis of economic life for most of Indonesian people. During its development, SMEs are still having problems, especially in a capital. To overcome this finance obstacle, it is necessary to improve and develop some access-financing sources. One of them is to activate a cooperative enterprise. ICE of Mitra Amanah Sejahtera is an Islamic financial institution that given a financing provision based on mudharabah system. In this research, the researcher discusses about the mechanism of mudharabah financing conducted by ICE of Mitra Amanah Sejahtera for SMEs. In addition, the researcher continues her research on respondent perceptions toward mudharabah financing. Furthermore, this research was continuing by compare their prior revenue and after engaging into mudharabah financing. This research includes a case study, which used a phenomenological approach. The population in this research was all of SMEs that obtained the mudharabah financing at ICE of Mitra Amanah Sejahtera, amounting to 1500 customers and by slovin formula there are 94 data as a sample. The research comes with a result that the mechanism of mudharabah financing from ICE of Mitra Amanah Sejahtera used the principle to provide a maximum funding on Rp. 1 million, with no collateral and based on trusty principles. In general, mudharabah system that has been undertaken by this cooperative can provide some benefits for its members. Their perceptions toward mudharabah financing at ICE of Mitra Amanah Sejahtera were as follow: these are some benefits that perceived the borrowers (82.98%), there is a significant influence on business development (83.30%), respondent satisfied toward mudharabah mechanism (79.79%), an easy administration (77.66%) and respondent satisfied toward mudharabah contract (81.92%). From paired test result, there is significant difference between the prior revenue and after engaging into financing. Thus, can be seen from small and medium enterprises’ prior revenues and after engaging into mudharabah financing with average revenue of Rp. 261.968. Based on this research, the researcher prefers to suggest the ICE of Mitra Amanah Sejahtera to maintain the mechanism of mudharabah financing, especially in order to develop a micro-economic life from it capital difficulties.

DIMENSI ZUHUD DALAM EKONOMI ISLAM Riyandi Riyandi
Islamic Economics Journal Vol. 1 No. 2 (2013)
Publisher : University of Darussalam Gontor

This paper tries to see the zuhud dimensions contained in Islamic economics al-Iqtisad al-Islamiy. To see it, here is explained the meaning of the zuhud in shar’i with tracing of lexical classical Arabic, the Qur’an and Sunah as well as the conception of the Ulama in particular in the Sufi tradition, and then linked to Islamic economics. From this discussion it was found that the Islamic economic discussion as al-Iqtisad al-Islamiy have epistemological implications derived from the revelation that the word iqtisad itself has meaning balance, not to exceed the limits or muqtas}id. It shows that in Islamic economic there is zuhud dimension because the muqtas}id people formed from zuhud attitude. In addition, the emphasis of Maqasid syari’ah that put Hifdz din as the main base shows that everything in economic activity should be done in terms of the religious dimension of faith, so that nothing is to be obtained not go beyond the rules set by God, and this rule can only be done by people who have the zuhud attitude to the world that makes bima fiyadillah awtsaq minhu bima fiyadihi.

TEORI EFISIENSI DALAM EKONOMI ISLAM Ahmad Arisatul Cholik
Islamic Economics Journal Vol. 1 No. 2 (2013)
Publisher : University of Darussalam Gontor

Lately, there are some economists who criticize the theory of efficiency. They argue that the current efficiency has deviated from first khittah and only beneficial for some people and hurt others. They just thinking of their welfare themselves without thinking about where the boundaries should be considered. They are influenced by western worldview that tends materialistic. This study aims to explore theory in Islamic Economics efficiency, so it can be reapplied in life in today’s modern era. In this study, researchers found that in Islam, efficiency theory has been applied since the time of Prophet Muhammad. Islam fully supports the efficiency in work, but all of it must remain in the corridor of Islamic law from the Qur’an and Sunah.

Mudarabah Perspektif Kaidah Fikhiyah Deny Irawan
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

The Mud} a> rabahsystem has attracted the investors, either domestic or overseas. Various kind of product developments of mud} a> rabahbegan to emerge, starting from financing to issuance of bond certificates and Certificate of mud} a> rabah Investment among the Banks. National Sharia Council (DSN-MUI) as a supervisor for the implementation of Islamic economic system has an important role in maintaining the harmony of Islamic economic practice as rooted in Al-Qur’an and Sunnah. As fatwa is always required, some rules of Fiqh has been emerged

Asalibu Muassasah Az-Zakah fi Rofahiyah Al-Mujtama’ wa Atsariha fiHayatihim Al-Iqtishodiyyah Muhammad Taufiq Zamzamy
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

Zakat is the social financing pillar of Islam. God has obliged it to the believers in His book that was revealed to the Prophet Muhammad Saw. Zakat should be distributed to people who deserve zakat funds, be regulated and managed properly. The management of the Fund in Indonesia is governed by the zakat laws No. 38 in 1999, the Act regulates the methods of management of the Fund to charity at the national level or in the local area, although the fact that the role of this legislation has not been effective for improving the welfare of the mustahiq (a person who is entitled to receive zakat). This research aims to examine one of the Amil zakat which in Indonesia, namely Amil Zakat Board of Semarang. This field study will analyze the management of zakat in Amil Zakat Board of Semarang which consists of collection and distribution of Zakat. In addition, the research will identify the problems faced by Badan Amil Zakat Semarang and looking for a solution to handling the problem for the purpose of community prosperity. The result shows that zakat collected by Badan Amil Zakat Semarang is distributed to eight asynaf especially the dhu'afa'. Fund Management in Amil Zakat Board of Semarang is handled well. This can be evidenced by the implementation of the activities of collecting, and distributing zakaat. For getting the goal, Amil Zakat Board of Semarang develops ways and programs for the welfare of society and also to solve the problem.

Konsep Kesejahteraan Dalam Ekonomi Islam (Perspektif Maqasid Asy-Syari’ah) Martini Dwi Pusparini
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

The concept of welfare as a goal in the conventional economy turns a terminology that is controversial, because it can be defined by a lot of understandings. One of them is purely materialist understanding completely deny the spiritual connection, or perhaps with a slight allusion to the spiritual aspect. If welfare is defined by the materialistic and hedonistic concept, then the economics provide a portion of excellence in the fulfillment of self-interest and maximize wealth, physical pleasure, and satisfaction of lust. Islamic economic view of the overall well-being is based on Islamic teachings about life. This concept is very different from the concept of well-being in the conventional economy, because it is a holistic concept. Welfare are essential within the framework of the Shari’ah is not always realized by concentrating on efforts to maximize wealth and consumption; it requires both material and spiritual fulfillment of human needs that are closely intertwined, fight for a balance between individual and social interests, and actualize Maqasid ash-Shariah. Islamic social welfare function is a concept rooted in socio-economic thought of Al-Ghazali. He identified all problems, whether in the form masalih (utilities, benefits) and mafasid (disutility, damage) in improving social welfare. He also explained in more detail that sharia objectives is to improve the welfare of all human beings, which lies in the protection of the faith (al-din), soul (al-nafs), intellect (alaql), descent (al-nasl), and wealth (al-mal). Anything that ensure the protection of this fifth guarantee the public interest and is desirable.

Pembangunan Ekonomi Islam Pada Perbankan Syari’ah: Telaah Beberapa Problem Dalam Transaksi Mudarabah Kontemporer Rahmad Hakim
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

Institusi Perbankan merupakan suatu hal yang baru dalam ekonomi Islam. Hal ini memberikan rangsangan kepada para ekonom Muslim untuk berfikir keras (ber-ijtihad)untuk mencari bentuk ideal aplikasi kontrak (akad) yang telah berlaku pada zaman dahulu untuk diaplikasikan pada masa kini. Tentunya, hasil ijtihad tersebut terdapat perbedaan antara para ekonom Muslim. Hal ini dapat dimaklumi mengingat ranah ekonomi Islam merupakan ranah mu’a> malah yang selalu berkembang dan sangat kompleks, sehingga tidak terdapat panduan secara eksplisit mengenai permasalahan yang ada. Pada ranah inilah Rasululullah Saw. pernah bersabda: “Antum A’lamu bi ‘Umuri Dunya kum” (kamu lebih tahu mengenai urusan duniamu). Pada makalah ini, penulis mencoba untuk memaparkan aplikasi akad mudarabahkontemporer sekaligus beberapa problem yang ada, seperti: peran ganda bank syari’ah dalam transaksi mudarabah, dan problem mekanisme bagi hasil dalam transaksi mudarabah. Inti dari tulisan ini adalah bahwa akad mudarabah pada bank syari’ah tidaklah sama dengan aplikasi mud rabah pada masa lalu, dimana segala sesuatu berjalan sangat sederhana dan manual. Dengan perkembangan zaman, maka akad mudarabah yang terdapat pada bank syari’ah sekarang ini belum-lah terlepas dari isu-isu yang berkaitan dengan kepatuhan syari’ah. Dengan demikian diperlukan agenda ijtihad yang mendalam oleh para ekonom Muslim masa kini, untuksetidaknya, menjadikan transaksi mudarabah pada bank syari’ah menjadi semakin dekat kepada bentuk ideal yang sesuai dengan syari’ah

Page 17 of 31 | Total Record : 305

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Department of Islamic Economics Jl. Raya Siman, Demangan - Siman - Ponorogo - Jawa Timur, 63471 Telp/HP. +62 812 35797925 Email: iej@unida.gontor.ac.id URL: https://ejournal.unida.gontor.ac.id/index.php/JEI

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Home Page

OAI Link

Editorial Team

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Reviewer

Google Scholar

Contact Name Sheema Haseena Armina

Contact Email sheemahaseenaarmina@unida.gontor.ac.id

Phone -

Journal Mail Official iej@unida.gontor.ac.id

Editorial Address Department of Islamic Economics Jl. Raya Siman, Demangan - Siman - Ponorogo - Jawa Timur, 63471 Telp/HP. +62 812 35797925 Email: iej@unida.gontor.ac.id URL: https://ejournal.unida.gontor.ac.id/index.php/JEI

Location Kab. ponorogo, Jawa timur INDONESIA

Abstract

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Contact Name
Sheema Haseena Armina

Contact Email
sheemahaseenaarmina@unida.gontor.ac.id

Phone
-

Journal Mail Official
iej@unida.gontor.ac.id

Editorial Address
Department of Islamic Economics Jl. Raya Siman, Demangan - Siman - Ponorogo - Jawa Timur, 63471 Telp/HP. +62 812 35797925 Email: iej@unida.gontor.ac.id URL: https://ejournal.unida.gontor.ac.id/index.php/JEI

Location
Kab. ponorogo,

Jawa timur

INDONESIA